MoneyLog｜부동산·경제 인사이트

🇰🇷 한국어

1. 가장 위험한 함정: 차입금 위장 증여
2. 조사 문턱 하향: 10억 이하 거래도 조사 대상
3. 9.7 부동산 대책 속 세무조사 강화 5가지
4. 마무리 조언

🇺🇸 English

The atmosphere in today’s real estate market is drastically different from before. 

 The era of thinking, “Surely they won’t question family transactions,” is over.

 With the National Tax Service and the Ministry of Land joining forces, they now thoroughly track the source of funds and disguised gifts. 

 Borrowing money from your parents to buy a home could easily trigger a tax audit. If you’re unprepared, you may face a direct hit of a “tax bomb.”

In this post, we’ll summarize the key changes in tax investigations highlighted by real estate tax experts, and the 3 critical points you must prepare for. 

 By the end, you’ll clearly understand how to set up the right safeguards in family financial transactions.

| The Biggest Trap: Disguised Loans as Gifts

Financial transactions between parents and children are no longer seen as simple family loans. 

 The government has officially announced that it will “trace the flow and source of funds to crack down on disguised gifts under the name of loans.”

In short, a loan contract alone is not enough; clear proof of interest payments and financial records are required.

Therefore, it is risky to rely solely on a loan agreement. You must set clear principal and interest terms, transfer the 4.6% interest monthly via bank account, and maintain transparent records. Moreover, tax authorities conduct post-investigation checks on repayment, so continuous documentation throughout the contract period is essential.

| Lower Threshold: Even Transactions Under 1 Billion KRW

In the past, only ultra-high-value properties worth tens of billions were subject to source-of-funds investigations. But things have changed dramatically. 

 Now, “transactions under 1 billion KRW, even 300 million KRW family transactions, are being investigated.”

In short, “regardless of transaction size”, any family loan or buying/selling below or above market price can trigger a tax audit. 

 Thinking, “It’s a small deal, I’ll be fine,” is no longer safe.

| 5 Key Tax Investigation Measures in the Sept. 7 Housing Policy

The housing policy announced on September 7, 2025, wasn’t just about increasing supply. It also emphasized “strengthened tax investigations.”

The government pledged to crack down on illegal market practices through a joint task force of the Ministry of Land, National Tax Service, and the police.

Especially for cryptocurrency funds, experts warn the “audit probability is 100%.” That’s why preparing solid documentation for every transaction is no longer optional—it’s essential for survival in the real estate market.

| 5 Key Tax Investigation Measures in the Sept. 7 Housing Policy

The housing policy announced on September 7, 2025, wasn’t just about increasing supply. It also emphasized “strengthened tax investigations.” 

 The government pledged to crack down on illegal market practices through a joint task force of the Ministry of Land, National Tax Service, and the police.

Especially for cryptocurrency funds, experts warn the “audit probability is 100%.” That’s why preparing solid documentation for every transaction is no longer optional—it’s essential for survival in the real estate market.

| Final Advice

The trend in real estate and tax audits has already shifted. 

 The old mindset of “They won’t investigate me” no longer applies. 

 Now, you must act on the assumption that “I could be investigated too.”

Family loans between parents and children can easily become a direct hit of gift tax. Here’s what you should prepare:

💡 The bottom line is transparent records. 

 Only those who prepare thoroughly can weather the storm of tax audits. 

 I hope today’s post helps you protect both your real estate transactions and your wealth.